Modern home plans are created en masse to suit the needs of people who don't want to customise the design of their new home. However, if you have chosen to customise and personalise your floor plan, you can do that too as long as you are prepared to tell the architect what you want. Professional architectural services cannot be replaced when it comes to building a home, so the matter is just to choose the one that suits you.
Ranch style homes are usually long and low with a bare minimum of interior and exterior decoration. The idea is to create a casual and informal lifestyle, usually with access to the outdoors via large plate glass windows, sliding glass doors, and patios or decks. Ranch style home plans normally imply a single story construction with a low and long roof line, with a cross- or side- gabled or hip roof.
In fact, cottages - by which is meant small, asymmetrical, (usually) rural dwellings of one or two stories and stone, brick, or stucco exteriors, come in a large variety of architectural styles. European-type cottages can incorporate design traits from Tudor, Georgian, French, and Italian architectural styles, with open rooms and high ceilings, fireplaces, and even luxurious elements such as gourmet kitchens, formal dining rooms, private master bedrooms, and French doors. What all cottage styles have in common is their livability - their human scale and design for relaxing, unstressful enjoyment of life.
Plan your budget accordingly so that you don't get your hopes too high or settle for less than you deserve. That is, plan your budget based on what you can afford. If a half-million dollar home is in your dreams, make sure you can finance it - visit your accountant and bank manager beforehand so you know what budget you can realistically work with.